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Question: 16.4.2. Does a copy of a proposed tenancy need to be sent to the lender?
| Lender | Answer |
|---|---|
| Accord Buy to Let | N/A |
| Accord Mortgages Ltd |
Yes. |
| Adam & Company |
Yes, unless the tenancy is a Short Assured Tenancy |
| Adam & Company International |
Yes, unless the tenancy is a Short Assured Tenancy |
| Aldermore Bank PLC | No, we will detail our requirements within our letting pack, which we will send to the borrower(s). |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) |
Yes, except where the mortgage offer makes it clear the loan has been made on a buy to let basis and where the tenancy agreement and required notices fully complies with the requirements set out in the offer conditions |
| Atom Bank plc | No, but we reserve the right to request this. |
| Aviva Equity Release UK Ltd | No |
| Bank of China | No, you are to ensure it complies with our requirements. |
| Bank of Ireland (UK) plc | Yes, except in Buy to Let cases where the tenancy agreement complies with the requirements set out in the relevant offer condition. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, except in Buy to Let cases where the tenancy agreement complies with the requirements set out in the relevant offer condition. |
| Bank of Scotland Beginning A | No |
| Bank of Scotland Beginning O | No, provided the lease is a Short Assured Tenancy and all relative notices have been served. |
| Barclays Bank UK PLC | No |
| Birmingham Midshires | Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If the mortgage is a buy to let product, any letting must comply with the mortgage conditions. We do not need to see a copy of any proposed tenancy. |
| Bluestone Mortgages | Yes |
| Bradford & Bingley Limited |
Yes |
| Britannia, a trading name of The Co-operative Bank plc | Please see the requirements within our letting pack (application). |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc |
Please see the requirements of our lettings pack. |
| Coutts |
Yes, unless the tenancy is a Short Assured Tenancy |
| Coventry Building Society | Yes |
| Darlington Building Society | Yes |
| DB UK Bank Ltd | Yes |
| Ecology Building Society | Yes |
| First Direct |
We do not lend on tenanted properties. If a tenancy is present please refer to us per 1.11b for contact details |
| Foundation Home Loans | No. |
| Furness Building Society | No |
| GE Money Home Lending Ltd | Please refer to our Customer Service Department. Any request to rent the security property will be subject to review of circumstances & product type. |
| Godiva Mortgages Ltd | Yes |
| Halifax | No |
| Halifax Loans Ltd | No |
| Hampden & Co. plc | Yes |
| Handelsbanken | Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If the mortgage is a buy to let product, any letting must be on a valid Assured Shorthold Tenancy. We do not need to see a copy of any proposed lease if it is a valid Assured Shorthold Tenancy. |
| Hodge | Yes |
| Hodge Equity Release | Yes |
| HSBC UK Bank plc | No |
| HSMS |
Please contact the lender. |
| Intelligent Finance | No |
| ITL Mortgages | Yes |
| Kensington Mortgage Company Ltd | You need to confirm to us in writing before Completion that the tenancy is in an acceptable form and in accordance with the requirements laid out in the Kensington General Mortgage Conditions. The completed tenancy must be placed with the title deeds. |
| Landbay Partners Limited | N/A |
| Landmark Mortgages Limited | Yes. |
| Leeds Building Society | No. |
| Legal & General Home Finance Ltd | Not applicable as tenancies are not permitted. |
| LendInvest |
Not applicable. |
| LiveMore Capital | N/A |
| Lloyds Bank plc pre fixed 40 | No |
| Lloyds Bank plc pre fixed 50 | No |
| Lloyds TSB Scotland plc | No |
| M&S Bank | no |
| Magellan Homeloans | Magellan Homeloans does not currently lend on investment properties |
| Masthaven Bank | Yes. |
| Metro Bank Plc | No, but we reserve the right to request this. |
| Mortgage Agency Services | Yes |
| Mortgage Express |
No, provided that it is a valid Assured Shorthold Tenancy. |
| Mortgage Express No 2 |
No, provided that it is a valid Assured Shorthold Tenancy. |
| National Westminster Bank plc | Yes, unless it is a Short Assured Tenancy or a Private Residential Tenancy. |
| Nationwide Building Society | No |
| Nedbank Private Wealth Ltd | Yes and we require you to confirm that it is acceptable to us as the lender prior to completion. |
| New Street Mortgages |
No, however you should ensure that acceptable tenancy agreement is in place. |
| NRAM Ltd | Yes |
| Paragon Buy to Let Mortgages | N/A. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes. Please check the terms of the Mortgage Offer to determine whether or not lettings are allowed. If Buy-to-let product, the tenancy must comply with our requirements. |
| Rooftop Mortgages Ltd | Yes |
| Sainsbury's Bank | No, however, we will only accept a Short Assured Tenancy and you must confirm to us, in a letter to the address detailed in 1.11a that this requirement has been met. |
| Santander UK plc | No |
| Scottish Building Society | No |
| Scottish Widows Bank | Yes |
| Skipton Building Society | No, but we reserve the right to request this. The Borrower must complete a Lettings Declaration. |
| St James Place Bank | No |
| The Mortgage Business |
No, provided it is a Short Assured Tenancy and all relative notices have been served. |
| The Mortgage Lender Limited |
No, however where the mortgage is for Buy to Let purposes you must ensure that any existing or proposed tenancies meet the requirements outlined in our Acceptable Tenancies Document. We do not consent to letting on residential (owner occupied) mortgages. |
| The Mortgage Works |
Yes - If the property is to be let after settlement. The tenancy agreement must meet the following criteria: is/will be a Short Assured Tenancy Agreement within the meaning of Section 32 of the Housing Act (Scotland) 1988 or an alternative form of tenancy whereby vacant possession can be obtained as of right at the end of the term created by the tenancy, the maximum term of the tenancy must be no more than 12 months. A valid Ground 2 notice must be served before a tenancy is entered into. |
| The Royal Bank of Scotland plc |
Yes, unless it is a Short Assured Tenancy or a Private Residential Tenancy. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
Yes, unless the tenancy is a Short Assured Tenancy. |
| The Royal Bank of Scotland plc Direct Line One |
Yes, unless the tenancy is a Short Assured Tenancy. |
| The Royal Bank of Scotland plc First Active |
Yes, unless the tenancy is a Short Assured Tenancy. |
| The Royal Bank of Scotland plc Natwest one Account |
Yes, unless the tenancy is a Short Assured Tenancy. |
| The Royal Bank of Scotland plc One Account |
Yes, unless the tenancy is a Short Assured Tenancy. |
| The Royal Bank of Scotland plc Virgin One |
Yes, unless the tenancy is a Short Assured Tenancy. |
| Topaz Finance Ltd | Yes |
| TSB Bank plc | No |
| UCB Home Loans Corporation Ltd |
Yes - if the property is to be let after settlement. The tenancy agreement must meet the following criteria: is/will be a Short Assured Tenancy Agreement within the meaning of Section 32 of the Housing Act (Scotland) 1988 or an alternative form of tenancy whereby vacant possession can be obtained as of right at the end of the term created by the tenancy, the maximum term of the tenancy must be more than 12 months. A valid Ground 2 notice must be served before a tenancy is entered into. |
| Ulster Bank |
Yes, unless the tenancy is a Short Assured Tenancy |
| Vida Homeloans | No |
| Virgin Money | Yes. |
| Whistletree (a trading name of TSB Bank plc) | Yes |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society | Yes. |